How Much Does a Chiropractor Cost After a Car Accident in Florida?

After a car accident in Florida, your own PIP insurance pays 80 percent of reasonable chiropractic bills, no matter who caused the crash. PIP covers up to $10,000 if a qualified provider finds an emergency medical condition, or $2,500 if not. You may owe the other 20 percent plus any deductible, and MedPay or health insurance can often cover that.

Money is the number one reason people put off care after a crash. They feel sore, they worry about a bill, and they wait. Then the 14 day PIP window closes and the bill really does become theirs. This guide shows you exactly who pays, what you might owe in real dollars, and what to do if you were at fault, don’t own a car, or have no insurance at all.

What does Florida PIP pay for chiropractic care after a car accident?

Florida PIP pays 80 percent of reasonable, medically necessary care, and a licensed chiropractic physician can give your first treatment. Under Florida Statute 627.736, that only works if you get initial care within 14 days of the crash. How much you can use depends on one finding at your exam.

Your situation	What PIP pays	Your PIP limit
Seen within 14 days, emergency medical condition found	80% of reasonable bills	Up to $10,000
Seen within 14 days, no emergency medical condition	80% of reasonable bills	Up to $2,500
Not seen within 14 days	Nothing for medical care	$0

One thing most clinics leave out: the $10,000 limit is shared with lost wage benefits, so time off work can use part of it. And only a medical doctor, osteopathic doctor, dentist, physician assistant or advanced practice registered nurse can make the emergency medical condition finding. A chiropractor can’t. Our team includes nurse practitioners, which is why your first visit covers both. Read more in our guide to what happens at a PIP evaluation.

Crash in the last 14 days? Call 407-434-7246 today. We bill Florida PIP directly, so you can focus on getting better instead of paperwork.

How much will you pay out of pocket for a chiropractor after a crash?

Most people pay the 20 percent PIP leaves behind, plus their PIP deductible if they picked one. Florida insurers must offer deductibles of $250, $500 and $1,000 under Statute 627.739, and the deductible comes off your bills before the 80 percent is applied. Here is what that looks like in real numbers.

Example	Total bills	PIP pays	Left over
No deductible, no emergency medical condition	$2,000	$1,600	$400
$500 deductible, no emergency medical condition	$2,000	$1,200	$800
No deductible, emergency medical condition found	$8,000	$6,400	$1,600
No deductible, no emergency medical condition	$8,000	$2,500 (limit reached)	$5,500

Look at the last two rows. Same injury, same bills, and a $3,900 difference in what PIP pays, all because of one finding at the first visit. That’s why a full exam with the right provider in the first 14 days matters more than anything else in this article.

The left over amount often isn’t yours to pay either. MedPay on your auto policy can cover the 20 percent, and your health insurance may pick up some of it. The examples above are simplified, and your own policy decides the real numbers.

Does PIP pay if the car accident was your fault?

Yes. Florida is a no fault state, so your own PIP pays your medical bills first whether you caused the crash or not. Fault matters later, when someone files a claim against the other driver’s insurance for costs beyond PIP. It doesn’t matter for getting your first visit paid.

So if you rear ended someone at a light and your neck has been stiff ever since, you still have PIP. You just need to use it inside the 14 days.

Who pays if you don’t own a car or were a passenger?

You may still have PIP through someone else’s policy. Florida law, in section 627.736(4)(e), sets an order for whose insurance pays. This is the part people get wrong most often, and it’s the reason many never call.

Who you are	Whose PIP usually pays
You own a car with Florida PIP	Your own policy
You don’t own a car but live with a relative who does	Your relative’s policy
Passenger in someone else’s car	The PIP of the car you were riding in, if you have none of your own
Florida resident hit while walking or on a bike	The PIP of the car that hit you, if you have none of your own

Not sure which one applies to you? Call us with the crash details and the insurance information you have. We’ll help you figure out where the bill goes.

What does Florida PIP not cover?

PIP won’t pay for massage therapy or acupuncture, no matter who provides it. The statute spells that out. It also won’t pay anything for medical care if you never got initial care within 14 days of the accident.

Everything else your provider bills has to be reasonable and medically necessary. That’s one reason a thorough first exam and clear records matter. They show your insurer why each visit was needed.

What if your PIP runs out or you have no insurance?

You still have options. PIP is only the first payer after a Florida crash, and many patients use two or three of these together.

Option	How it helps
MedPay	Optional auto coverage that can pay what PIP leaves behind
Health insurance	May cover care after PIP, based on your plan
The other driver’s bodily injury coverage	Can pay medical costs when the other driver was at fault
Uninsured motorist coverage	Helps when the at fault driver has little or no insurance
Letter of protection	Your attorney’s letter lets you get care now, paid from your settlement later

If you already have a personal injury attorney, read how a letter of protection works with chiropractic care. We review LOP cases one at a time. If you have no coverage at all, call and ask our front desk about self pay before your visit.

PIP ran out, or no insurance? Call 407-434-7246 and tell us what you have. Most people have more coverage than they think.

What should you have ready when you call?

Have your crash date, your auto insurance card or claim number, and your photo ID. With those, our front desk can set up your visit and bill your PIP directly. If you have an attorney, have their name and phone number too.

Have this ready	Why we ask
Date of the crash	Tells us how many days are left in your 14 day PIP window
Auto insurance card or claim number	Lets us bill your PIP directly
Police or crash report number, if you have it	Documents when and how the crash happened
Attorney name and phone, if you have one	Needed for a letter of protection case

No claim number yet? Call anyway. The 14 day clock keeps running whether your paperwork is ready or not. See our Florida 14 day rule guide for the details.

Where can you see a car accident chiropractor near you?

Spine & Injury Associates has 8 clinics across Florida, and every one accepts Florida PIP. Call the clinic closest to you, tap Get directions to open it in Google Maps, or request an appointment online and our front desk will contact you to confirm. Hours are Monday to Friday, 9am to 1pm and 3pm to 7pm.

Clinic	Address	Call	Directions
Orlando	7655 S Orange Blossom Trl, Orlando, FL 32809	407-434-7246	Get directions
Altamonte Springs	280 S State Road 434, Suite 1049, Altamonte Springs, FL 32714	407-434-7246	Get directions
Kissimmee	1010 W Oak St, Kissimmee, FL 34741	407-434-7246	Get directions
Haines City	35894 US-27, Haines City, FL 33844	407-434-7246	Get directions
Plant City	1910 James L Redman Pkwy, Plant City, FL 33563	813-717-7426	Get directions
Ocala	9305 SE Maricamp Rd, Ocala, FL 34472	407-434-7246	Get directions
Jacksonville	953 Lane Ave S, Jacksonville, FL 32205	904-458-7246	Get directions
Fort Myers	12670 New Brittany Blvd, Suite 201, Fort Myers, FL 33907	407-434-7246	Get directions

Want to know more about how we treat crash injuries? Visit our car accident chiropractor page.

Frequently asked questions

Do I have to pay anything for a chiropractor after a car accident in Florida?

Maybe a little. PIP pays 80 percent of reasonable bills if you get care within 14 days, so you may owe 20 percent plus any deductible. MedPay or health insurance can often cover that share, and many patients pay little or nothing themselves.

How much does PIP pay for chiropractic care in Florida?

PIP pays 80 percent of reasonable, medically necessary charges. You can use up to $10,000 if a medical doctor, osteopathic doctor, dentist, physician assistant or nurse practitioner finds an emergency medical condition, or up to $2,500 if not.

Can I see a chiropractor if the accident was my fault?

Yes. Florida is a no fault state, so your own PIP pays your medical bills first no matter who caused the crash. You still need to get initial care within 14 days of the accident.

What if I don’t have car insurance?

You may still be covered through a relative you live with, the car you were riding in, or the car that hit you if you were walking. If none apply, health insurance, the other driver’s coverage or a letter of protection may help.

Does PIP cover massage after a car accident?

No. Florida law says PIP medical benefits don’t include massage therapy or acupuncture, no matter who provides them. Chiropractic care, exams and other medically necessary treatment can still be covered.

This article explains Florida PIP rules in general terms. It isn’t legal or insurance advice. Your policy and your insurer decide what is covered. For questions about your claim, talk to your insurance company or a Florida attorney.